Your post struck a cord in me, I am so moody today and cannot tell where it is comming from, nothing seems to help and everything seems to make it worse.
I totally understand the home ownership dilema. My boyfriend is more into paying a mortage than rent and is thinking of buying a house next year (personally, I want a ring before a house...) and my credit is so shitty. He is so responsible and it drives me crazy to think of the mistakes I have made and how hard I need to struggle while it all just makes sense to him. On top of that, I get paid very poorly at my job, I am here through Americorps (domestic peace corps) it is rewarding as hell and when it comes down to it, I would not trade it for the world, and I did know that the money would be terrible when doing it. The only reason I am really able to is because of JL and the fact that he has a *real job*. One of the girls here is prolly leaving and I am dying for her to just go so I can be hired and finally earn some money and fix my messes.
Been there, done that with the credit stuff. It sucks, it really does, but it can improve more quickly than you think. And hell, we've got about $120K in student loan debt between the two of us and they still let us by a $130K house (and that's not counting the car loans and credit card balances - which aren't so bad anymore, but still there). So, make a plan and go with it, but don't let it depress you too much. If I stop and think about how much money we owe I get a little crosseyed and nauseous, but then I just go with the enjoyment of the stuff that money is paying for (our educations, house, lots of silly stuff), and it's okay.
I do not owe that much money, the problem is doing VISTA (which is impacting poverty) you pretty much make a poverty level salary (not even a salary, it is a stipend) of about $11,000 for full time work for the year. Doing this (for my 2nd year in a row) has left me with almost no savings, and you cannot save anything when almost one full check goes to rent.
Oh, i TOTALLY agree with the "intitation" comment. A wedding IS an Intiation. Especially towards the end when all the chaos builds and the stress is so thick you think you can cut it with a knife and you start snapping at each other for stupid shit... ah yes. It's all one big test to see if you really are up for this next stage of your life.
HA! Yeah, cliche cliche. *M. rolls her eyes*
Anyhoo... don't let people..., past,... personalities phase you, hon. You have the right of it. Onward and upward, eh? I'm really happy for you and N.
"Especially towards the end when all the chaos builds and the stress is so thick you think you can cut it with a knife and you start snapping at each other for stupid shit... "
*laughs* Oh man that's classic - pretty much sums up the 72 hours before the big day for us. Glad that it's been shared. LOL!
Try not to let the $ thing stress you out. Make a plan, stick with it and look towards the future. If I actually focused on how in the hole I am I would go insane...
Thank ya muchly - feeling better about the dough as days go on, initial shock at having seen my credit reports is not so much anymore, lol, and it' sbeing taken care of. *firm nod* lol :)
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I totally understand the home ownership dilema. My boyfriend is more into paying a mortage than rent and is thinking of buying a house next year (personally, I want a ring before a house...) and my credit is so shitty. He is so responsible and it drives me crazy to think of the mistakes I have made and how hard I need to struggle while it all just makes sense to him. On top of that, I get paid very poorly at my job, I am here through Americorps (domestic peace corps) it is rewarding as hell and when it comes down to it, I would not trade it for the world, and I did know that the money would be terrible when doing it. The only reason I am really able to is because of JL and the fact that he has a *real job*. One of the girls here is prolly leaving and I am dying for her to just go so I can be hired and finally earn some money and fix my messes.
But I hear ya...on all of it.
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I do not owe that much money, the problem is doing VISTA (which is impacting poverty) you pretty much make a poverty level salary (not even a salary, it is a stipend) of about $11,000 for full time work for the year. Doing this (for my 2nd year in a row) has left me with almost no savings, and you cannot save anything when almost one full check goes to rent.
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HA! Yeah, cliche cliche. *M. rolls her eyes*
Anyhoo... don't let people..., past,... personalities phase you, hon. You have the right of it. Onward and upward, eh? I'm really happy for you and N.
love me
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*laughs* Oh man that's classic - pretty much sums up the 72 hours before the big day for us. Glad that it's been shared. LOL!
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Try not to let the $ thing stress you out. Make a plan, stick with it and look towards the future. If I actually focused on how in the hole I am I would go insane...
Glad to hear the new job is working out :)
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